New Swarnima Scheme (GBCDC)

Loan Amount: The maximum loan limit under this scheme is up to ₹200,000/- per beneficiary.

Interest Rate: The interest rate in these schemes will be 5% per annum.

Loan Coverage: 95% of unit cost financed by the national corporation (NBCFDC), 5% by the state government.



Repayment Terms: Repayable in 60 equal monthly installments, including interest.

Mode of Disbursement: The loan amount is disbursed, with 95 percent of the unit cost from the national corporation and 5 percent from the state government.

The applicant should belong to a socially and educationally backward class.

The total annual income of the applicant's family should not exceed ₹3,00,000/-.

The applicant's age should be between 21 and 45 years as on the date of application.

The applicant must have experience in a business requiring technical and other skills.

Online

Step 1: Visit the official website of the Gujarat Backwards Caste Development Corporation.

Step 2: On the top menu bar, click on "Apply Online".

Step 3: If you’re a new user, click on "New Registration" Enter personal details (name, mobile number, email, aadhaar number, etc.), create a password, and complete OTP verification.

Step 4: Use your registered credentials (User ID and password) to log in.

Step 5: Click on “New Application”. Select “Swayam Saksham Yojana” from the list of available schemes.

Step 6: Fill out the Application Form, enter the following details:

Personal Information: Name, gender, date of birth, caste, etc.

Address Information: Permanent and correspondence address

Income Details: Monthly family income and source

Loan Requirement: Amount needed, proposed use (e.g., business, self-employment)

Bank Account Details: For loan disbursement

Step 7: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.

Step 8: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.

Step 9: The Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.

Aadhaar Card

Ration Card

Voter ID

Passport Size Photos

Business Address Proof

Birth Certificate

Caste Certificate

Bank Passbook